The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,674
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,442
−HK$779/mo
Today · 4.125%
HK$26,221
baseline
▲ 0.50% · 4.625%
HK$27,817
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,442/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,450
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,186
−HK$747/mo
Today · 4.125%
HK$28,933
baseline
▲ 0.50% · 4.625%
HK$30,458
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,866/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,609
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,530
−HK$936/mo
Today · 4.125%
HK$31,466
baseline
▲ 0.50% · 4.625%
HK$33,380
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,932/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,940
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$896/mo
Today · 4.125%
HK$34,719
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,438/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,544
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,618
−HK$1,092/mo
Today · 4.125%
HK$36,710
baseline
▲ 0.50% · 4.625%
HK$38,944
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,420/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,460
−HK$1,046/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,641
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,413
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,795
−HK$1,404/mo
Today · 4.125%
HK$47,199
baseline
▲ 0.50% · 4.625%
HK$50,071
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,398/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,410
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,735
−HK$1,344/mo
Today · 4.125%
HK$52,079
baseline
▲ 0.50% · 4.625%
HK$54,824
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,158/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,780 · Scale 2, in force from 26 Feb 2026)